- Lexus NX 300 insurance costs $1,754 per year ($146 per month) for a full coverage policy on average.
- When compared to other small luxury SUVs, the 2021 Lexus NX 300 is one of the cheaper small luxury SUVs to insure, costing $78 less per year on average.
- The cheapest NX 300 model to insure is the base 2WD trim level at an estimated $1,714 per year. The NX 300 Luxury AWD is the most expensive to insure at $1,820 per year.
- Lexus NX 300 car insurance rates in a few larger cities include $1,694 in Albuquerque, NM, $2,446 in Miami, FL, and $1,602 in Omaha, NE.
How much does Lexus NX 300 car insurance cost?
Car insurance rates for a Lexus NX 300 average $1,754 a year for a full coverage, or around $146 a month. Comprehensive (or other-than-collision) coverage is around $400 a year, collision coverage is around $864, and the remaining liability and medical coverage is about $490.
The following chart breaks down average auto insurance rates for a 2021 Lexus NX 300 using an assortment of different driver ages and risk profiles.
How do Lexus NX 300 insurance rates rank?
The Lexus NX 300 ranks 10th out of 25 total vehicles in the 2021 compact luxury SUV category. The NX 300 costs an estimated $1,754 per year to insure and the category average rate is $1,832 annually, a difference of $78 per year.
When insurance rates are compared to popular vehicles in the small luxury SUV segment, insurance for a Lexus NX 300 costs $6 less per year than the Mercedes-Benz GLC300, $208 less than the BMW X3, $308 more than the Acura RDX, and $158 less than the Audi Q5.
The chart below shows how Lexus NX 300 car insurance rates compare to the rest of the top 10 selling small luxury SUVs for the 2021 model year. In addition, you can also view an expanded table after the chart breaking down insurance cost comparisons and rankings for all 25 vehicles in the 2021 segment.
Rank | Make and Model | Annual Premium | Difference |
---|---|---|---|
1 | Acura RDX | $1,446 | -$308 |
2 | Cadillac XT4 | $1,496 | -$258 |
3 | Volvo XC40 | $1,530 | -$224 |
4 | Lincoln Corsair | $1,686 | -$68 |
5 | Lexus UX 250h | $1,698 | -$56 |
6 | Volvo XC60 | $1,718 | -$36 |
7 | Mercedes-Benz GLB 250 | $1,734 | -$20 |
8 | BMW X1 | $1,746 | -$8 |
9 | Lexus UX 200 | $1,748 | -$6 |
10 | Lexus NX 300 | $1,754 | -- |
11 | Mercedes-Benz GLC300 | $1,760 | $6 |
12 | Land Rover Defender | $1,810 | $56 |
13 | Mercedes-Benz GLA250 | $1,820 | $66 |
14 | Land Rover Evoque | $1,826 | $72 |
15 | BMW X2 | $1,856 | $102 |
16 | Audi Q3 | $1,900 | $146 |
17 | Audi Q5 | $1,912 | $158 |
18 | BMW X3 | $1,962 | $208 |
19 | Lexus NX 300H | $1,970 | $216 |
20 | Mercedes-Benz GLA45 AMG | $1,994 | $240 |
21 | Alfa Romeo Stelvio | $2,014 | $260 |
22 | BMW X4 | $2,042 | $288 |
23 | Jaguar F-Pace | $2,068 | $314 |
24 | Jaguar I-Pace | $2,130 | $376 |
25 | Porsche Macan | $2,176 | $422 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2021 model year. Updated February 23, 2024
Do cheaper models cost less to insure?
The cheapest model of Lexus NX 300 to insure is the base 2WD model at around $1,714 per year. The most expensive NX 300 trim level to insure is the Luxury AWD trim level at $1,820 per year. That’s a difference of $106 per year.
The rate table below details average car insurance rates for 12-month and 6-month terms, in addition to a monthly budget amount, for each Lexus NX 300 package and trim.
2021 Lexus NX 300 Trim Level | Annual Premium | Cost Per Month |
---|---|---|
2WD | $1,714 | $143 |
AWD | $1,714 | $143 |
F Sport 2WD | $1,714 | $143 |
Premium 2WD | $1,714 | $143 |
F Sport AWD | $1,768 | $147 |
F Sport Premium 2WD | $1,768 | $147 |
F Sport Premium AWD | $1,768 | $147 |
Luxury 2WD | $1,768 | $147 |
Premium AWD | $1,768 | $147 |
Sport Comfort 2WD | $1,768 | $147 |
Sport Comfort AWD | $1,768 | $147 |
Luxury AWD | $1,820 | $152 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated February 23, 2024
Average insurance rates by location
Depending on your location, the cost to insure an NX 300 can vary significantly, from cheaper amounts like $1,348 a year in Columbus, OH, or $1,162 in Raleigh, NC, to higher rates like $2,674 a year in Philadelphia, PA, and $2,666 in Las Vegas, NV.
Rate averages for additional cities include San Jose, CA, averaging $1,972 per year, Colorado Springs, CO, at $2,006, Austin, TX, at $1,578, and Jacksonville, FL, at an estimated $1,848.
The chart below shows average Lexus NX 300 insurance premiums in the thirty largest metro areas in the U.S.
When comparing Lexus NX 300 rates from a broader state perspective, states like Virginia ($1,224), Maine ($1,122), and Iowa ($1,230) have cheaper insurance rates on a Lexus NX 300, while states like Michigan ($2,302), Louisiana ($2,040), and Florida ($2,130) have more expensive insurance rates on a Lexus NX 300.
The table below details the average cost of Lexus NX 300 insurance in all fifty U.S. states.
U.S. State | Annual Premium | Cost Per Month |
---|---|---|
Alabama | $1,606 | $134 |
Alaska | $1,372 | $114 |
Arizona | $1,630 | $136 |
Arkansas | $1,840 | $153 |
California | $2,104 | $175 |
Colorado | $1,880 | $157 |
Connecticut | $1,948 | $162 |
Delaware | $1,984 | $165 |
Florida | $2,130 | $178 |
Georgia | $1,798 | $150 |
Hawaii | $1,252 | $104 |
Idaho | $1,304 | $109 |
Illinois | $1,568 | $131 |
Indiana | $1,358 | $113 |
Iowa | $1,230 | $103 |
Kansas | $1,740 | $145 |
Kentucky | $1,880 | $157 |
Louisiana | $2,040 | $170 |
Maine | $1,122 | $94 |
Maryland | $1,648 | $137 |
Massachusetts | $1,910 | $159 |
Michigan | $2,302 | $192 |
Minnesota | $1,534 | $128 |
Mississippi | $1,726 | $144 |
Missouri | $1,972 | $164 |
Montana | $1,632 | $136 |
Nebraska | $1,500 | $125 |
Nevada | $2,080 | $173 |
New Hampshire | $1,230 | $103 |
New Jersey | $2,106 | $176 |
New Mexico | $1,476 | $123 |
New York | $2,020 | $168 |
North Carolina | $1,162 | $97 |
North Dakota | $1,486 | $124 |
Ohio | $1,276 | $106 |
Oklahoma | $1,928 | $161 |
Oregon | $1,658 | $138 |
Pennsylvania | $1,702 | $142 |
Rhode Island | $2,148 | $179 |
South Carolina | $1,502 | $125 |
South Dakota | $1,806 | $151 |
Tennessee | $1,686 | $141 |
Texas | $1,648 | $137 |
Utah | $1,564 | $130 |
Vermont | $1,326 | $111 |
Virginia | $1,224 | $102 |
Washington | $1,608 | $134 |
West Virginia | $1,588 | $132 |
Wisconsin | $1,306 | $109 |
Wyoming | $1,586 | $132 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024